Hello Melissa! I read your story,and you are not alone. I have belly fat also and a big waist and hips. What you can do (that I heard once in a weight loss magazine) is try riding your bike for 28 minutes 5 days a week. Not the best, but it can be fun. If you have a sister or a brother you can try riding with him or you can walk for at least 30 minutes to the park or school. You should also eat healthy you know fruits and vegetables. I believe in you. Maybe this is not the best advice from a 15 year old,but i try my best. You can also read teen magazines like Twist for example.Each month that magazine has questions for weight loss. You could also write to them about your weight problem. There are so many things you can do to lose weight. I hope this advice helps.Your welcome!:)